BUYING A CAR WITH "BAD" CREDIT

     Car dealers and the banks that will lend to "credit challenged' people will want to see a number of things that may not be required of someone with "good" credit.  

     The main reason for them wanting copies of these things is to "get to know you better".  Banks are probably not going to lend you thousands of dollars for a car if you are not stable in your job or home.

Proof of Income

     One of the things you will probably need to bring with you are your most recent pay check stubs.  I have seen the lenders want to see anywhere from the 2 most recent to several months worth.  The lenders can't afford to guess how much you make or just take your word for it.  They base their decision on whether or not to lend you money in part on what you can afford to borrow and pay back.  I would recommend you bring several pay stubs with you to the dealership to avoid having to make more trips to get you loan finalized.  You sales person should be able to make copies for you at the dealership so that these copies can be sent to the lender in your loan package.  

Proof of Residence

     Another thing you will need to bring is proof of where you live.  Most of the lenders I have worked with will only accept a utility bill that comes to Your residence in Your name.  Again they may want more than one so I would bring the most current utility bills as well as bill going back a couple of months.  I also found that if you bring in bills with "Past Due" amounts  at best the lender won't allow it and at worst they will deny the loan because they think you will not pay